Lexus GS 350 Insurance Rates
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UPDATED: May 6, 2024
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Average insurance prices for a Lexus GS 350 are $1,320 every 12 months including full coverage. Comprehensive costs approximately $288, collision costs $506, and liability coverage is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $2,858. Teens receive the highest rates at $4,896 a year or more.
Average premium for full coverage: $1,320
Rate estimates by individual coverage type:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all GS 350 models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $438 for a discount liability-only rate to the much higher price of $2,858 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $753
- Raising to $1,000 deductibles will save $182 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,320
- Selecting pricier low deductibles increases the price to $1,668
- Unlucky drivers with serious driving violations could pay around $2,858 or more
- The cost to insure a teenage driver for full coverage can cost $4,896
Car insurance rates for a Lexus GS 350 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your GS 350.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Lexus GS 350 insurance for high-risk drivers is expensive and can cost around 45% to 135% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Lexus GS 350 insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$128 | -9.7% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,504 | $184 | 13.9% |
| Colorado | $1,258 | -$62 | -4.7% |
| Connecticut | $1,356 | $36 | 2.7% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,648 | $328 | 24.8% |
| Georgia | $1,222 | -$98 | -7.4% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $894 | -$426 | -32.3% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $996 | -$324 | -24.5% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,254 | -$66 | -5.0% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $816 | -$504 | -38.2% |
| Maryland | $1,090 | -$230 | -17.4% |
| Massachusetts | $1,052 | -$268 | -20.3% |
| Michigan | $2,290 | $970 | 73.5% |
| Minnesota | $1,108 | -$212 | -16.1% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,172 | -$148 | -11.2% |
| Montana | $1,418 | $98 | 7.4% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,168 | -$152 | -11.5% |
| New York | $1,390 | $70 | 5.3% |
| North Carolina | $762 | -$558 | -42.3% |
| North Dakota | $1,082 | -$238 | -18.0% |
| Ohio | $908 | -$412 | -31.2% |
| Oklahoma | $1,354 | $34 | 2.6% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $978 | -$342 | -25.9% |
| Vermont | $902 | -$418 | -31.7% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,018 | -$302 | -22.9% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $912 | -$408 | -30.9% |
| Wyoming | $1,174 | -$146 | -11.1% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,288 | $107 |
| Lexus GS 350 AWD | $1,320 | $110 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $326 | $646 | $376 | $1,484 |
| 2019 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2018 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2017 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2016 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Lexus GS 350 Insurance
Saving money on auto insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a summary of the ideas that were touched on above.
- Drivers age 20 and younger pay the highest auto insurance rates, as much as $408 per month if the policy includes full coverage
- Drivers who have multiple accidents or major violations could be charged and average of $1,540 more per year to buy Lexus GS 350 insurance
- Increasing deductibles could save as much as $525 each year
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,896 |
| 20 | $3,038 |
| 30 | $1,378 |
| 40 | $1,320 |
| 50 | $1,206 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,668 |
| $250 | $1,508 |
| $500 | $1,320 |
| $1,000 | $1,138 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,398 |
| 100/300 | $1,496 |
| 250/500 | $1,749 |
| 100 CSL | $1,437 |
| 300 CSL | $1,652 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,000 |
| 20 | $4,840 |
| 30 | $2,924 |
| 40 | $2,858 |
| 50 | $2,728 |
| 60 | $2,702 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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